Soft declines
Issuer said "not now," not "never." A velocity flag or a transient hold, and the single biggest pool of recoverable revenue.
Most declines arejust bad timing.
Every decline is evaluated in real time to decide whether to retry, reroute, or stop; recovering more payments without unnecessary retries.
Contact usSome declines say“not yet.”Some say “never.”
Every decline is analyzed before deciding whether to retry, reroute, or stop.
Acquirer / network error
The failure is on the path, not the card. Cascade the same charge to a healthy acquirer and it usually lands.
Issuer timeout
No answer from the issuer in time. Almost always worth an immediate, idempotent retry on the same rail.
Expired / updated card
Card details moved on. Network tokens and account updater refresh them in place, no email to the customer.
Insufficient funds
Alternative payment methods available.
Hard declines
Stolen, closed, do-not-honor. These do not get retried, chasing them burns scheme quota and annoys issuers.
Anyone can retry.The hard part isknowing when.
Retries happen only when they have a higher chance of succeeding.
Recover Lost Revenue
Classify
Read the decline.
Every decline is analyzed to determine whether it should be retried, rerouted, or stopped.
Schedule
Retry when it'll land.
Retries happen only when timing and conditions improve the chance of success.
Cascade
A second acquirer.
If one provider fails, the payment is automatically routed to the next best available one.
Respect
Inside the rules.
Every retry follows card scheme rules, merchant policies, and compliance requirements.
Six ways toget paid anyway.
Choose ready-made retry strategies or create your own.
Smart retry scheduling
Each retry timed to the decline reason and the issuer's patterns. Instant, hours out, or aligned to payday, never a fixed cron that wastes attempts.
Scheme-rule guardrails
Visa and Mastercard retry caps, idempotency keys, and consent are all enforced automatically, so recovery never trips a fine or a block.
Provider cascade
When a rail fails, the charge moves to the next-best acquirer, ranked by live approval rate and re-scored continuously.
Dunning for subscriptions
Failed renewals worked over a recovery window, with quiet retries first and a customer nudge only when one is actually needed.
Network tokens & updater
Expired or reissued cards refreshed in place through network tokens and account updater, so a stale number never costs you the renewal.
Recovery rules
Every recovery rule is yours to configure by segment, geography, or value, and anything you change can be rolled back in one click.
Smart retry scheduling
Each retry timed to the decline reason and the issuer's patterns. Instant, hours out, or aligned to payday, never a fixed cron that wastes attempts.
Scheme-rule guardrails
Visa and Mastercard retry caps, idempotency keys, and consent are all enforced automatically, so recovery never trips a fine or a block.
Provider cascade
When a rail fails, the charge moves to the next-best acquirer, ranked by live approval rate and re-scored continuously.
Dunning for subscriptions
Failed renewals worked over a recovery window, with quiet retries first and a customer nudge only when one is actually needed.
Network tokens & updater
Expired or reissued cards refreshed in place through network tokens and account updater, so a stale number never costs you the renewal.
Recovery rules
Every recovery rule is yours to configure by segment, geography, or value, and anything you change can be rolled back in one click.
A processor's bad dayshouldn't be yours.
Failures stay invisible.
Customers see successful payments, not processor outages.
One decline. Four moves. Paid.
Retry and reroute automatically.
You set the limits. It does the chasing.
Set retry limits and recovery rules.
Every retry is traceable.
Review every retry, route, and outcome.
They meant to pay.Make sure the moneyactually lands.
Stop reacting to the market. Start orchestrating it.
Contact us